Roth IRA Income Limit Calculator 2026: guide
Roth IRA rules are mostly about income. Many people think they are eligible, then discover their income is in the phaseout range.
Roth IRA income limits use MAGI
Roth IRA eligibility is based on modified adjusted gross income (MAGI), not your salary.
MAGI starts with AGI and then adds back certain items.
Full vs partial contribution
If your MAGI is below the lower threshold, you can contribute the full amount.
If your MAGI falls inside the phaseout range, your allowed contribution is reduced.
Married filing separately is strict
If you file married filing separately and lived with your spouse, the Roth IRA phaseout range is extremely small.
Many people in this category cannot contribute directly.
Backdoor Roth (simple explanation)
Some high-income taxpayers use a backdoor Roth strategy.
This involves a non-deductible traditional IRA contribution followed by a Roth conversion. There are important tax rules around this, especially the pro-rata rule.
Try the calculator
Use our Roth IRA income limit calculator to estimate your 2026 eligibility.